Arushi Nigam

Experience

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  Business sphere Group

  Jul 2015 - Feb 2016

  Business Development Manager

  - Generating new business from new & existing clients. - Work with expanding prospect database within specified business sector to generate effective lead & exceed sales target for the company. - Driving revenue for the company through market research.

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  SMC Group

  Apr 2017 - Jul 2017

  Stock Analyst

  - Analyzed the price trend of Derivative Commodity (ie Gold, Silver) in India - Conducted a study on the commodity market and Gold market of India - Studied and analyzed the volatility through fundamental and technical analysis (RSI Moving, Average, Volume) of Gold.

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  Utkarsh Small Finance Bank

  Apr 2018 - Apr 2021

  Assistant Credit Manager

  - Analyze Income documents (Financial statements, ITR & Bank Statements of the companies) and credit history to understand better the impact of risk involved in extending credit to customers.- Handling Secured and Unsecured loans (i.e, Personal Loan, LAP, Home loan, and Secured & Unsecured Business Loan)- Fulfilling loan request summaries and credit analysis as a part of the loan application for further approval.- Analyze the cost-benefit analysis and cost-saving measures for better current market trends. - To review the mortgage portfolio on a regular basis & support collections on specific loans. - Manage Business banking lending, underwriting, and portfolio management activities across the region. Show less

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  Better

  Apr 2021 - May 2022

  Credit Risk Analyst

  - Leading a team of specialists who will underwrite and recommend decisions on agency conforming mortgage loans. - Working with specialists to manage team priorities and achieve team goals. - Performing thorough analysis of applicant's income and expense data, asset documentation, and credit reports. - Calculating qualifying ratios, determine creditworthiness and providing risk opinions.- Analyzing daily pipeline reports and ensure files and tasks are cleared within required SLA’s. Show less

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  WNS Global Services SA

  Jun 2022 - now

  Senior Credit Analyst

  •Credit appraisal of existing as well as new credit requests for clients by evaluating theircreditworthiness on multiple parameters,including the assignment of internal customer risk rating and covering detailed analysis of business profile, industry, management, and financials.•To analyze the balance sheet, income, and cash flow statements of our clients, including the operating trends, capital structure, liquidity, covenants, debt service capacity, and overall credit risk for conclusion and recommendation.•Conduct ongoing Portfolio Monitoring to facilitate decision-making through Financial Modeling, Coverage Reports, Covenant Analysis, Forecast, and Report writing.•Working on assigning the Risk rating of PD and LGD to the Borrower, and detailed risk rating rationale RRR write-up.•Create a variety of standard initial work package items that serve as a starting point for the ratings and research process including data, spreadsheets, charts, and tables•Update financial spreadsheets, charts, and tables Show less